u/FairlyCompensated

(Logged in from my anon account for this post)

Hi Folks,

Looking for advice on which card to add to my stack next to optimize my spending and redemption.

Current CIBIL: 780
Annual Income: ~25L INR (net)

Current Portfolio:

• Amazon Pay ICICI: Used for Amazon-specific shopping.
• Federal Scapia: Used for UPI transactions.
• HDFC Marriott Bonvoy: Currently at 4.3L spend; 1.7L remains to hit the 6L milestone.
• Amex Platinum Travel: Milestone completed! will decide on whether to proceed with renewal later (have 85k MR points available currently) (Do not want another Amex until unless its Platinum Charge with 125k or 150 MR points offer)

Upcoming Spends: I expect to spend 5 to 7 Lakhs over the next two quarters, international flights & travel. Total projected expenditure through March next year is 10 to 12 Lakhs.

Goal: I am trying to accumulate enough points to either book a one-way Business Class seat via miles in April next year or secure a high-value stay redemption.

Which card would best complement my current stack for these goals?